Column

Housing market

Table specification

Month Date Amortization Interest (%) Loan to pay Loan paid Loan paid (%) Interest Amortization (%) Pay per month
39 Dec 2021 2’583 1.38 1’451’846 98’154 6.3 1’669.62 2.13494 4’252.62
38 Nov 2021 2’583 1.38 1’454’429 95’571 6.2 1’672.59 2.13115 4’255.59
37 Okt 2021 2’583 1.38 1’457’012 92’988 6.0 1’675.56 2.12737 4’258.56
36 Sep 2021 2’583 1.38 1’459’595 90’405 5.8 1’678.53 2.12360 4’261.53
35 Aug 2021 2’583 1.38 1’462’178 87’822 5.7 1’681.50 2.11985 4’264.50
34 Jul 2021 2’583 1.38 1’464’761 85’239 5.5 1’684.48 2.11611 4’267.48
33 Jun 2021 2’583 1.38 1’467’344 82’656 5.3 1’687.45 2.11239 4’270.45
32 Maj 2021 2’583 1.38 1’469’927 80’073 5.2 1’690.42 2.10868 4’273.42
31 Apr 2021 2’583 1.38 1’472’510 77’490 5.0 1’693.39 2.10498 4’276.39
30 Mar 2021 2’583 1.38 1’475’093 74’907 4.8 1’696.36 2.10129 4’279.36
29 Feb 2021 2’583 1.38 1’477’676 72’324 4.7 1’699.33 2.09762 4’282.33
28 Jan 2021 2’583 1.38 1’480’259 69’741 4.5 1’702.30 2.09396 4’285.30
27 Dec 2020 2’583 1.38 1’482’842 67’158 4.3 1’705.27 2.09031 4’288.27
26 Nov 2020 2’583 1.38 1’485’425 64’575 4.2 1’708.24 2.08668 4’291.24
25 Okt 2020 2’583 1.38 1’488’008 61’992 4.0 1’711.21 2.08305 4’294.21
24 Sep 2020 2’583 1.38 1’490’591 59’409 3.8 1’714.18 2.07944 4’297.18
23 Aug 2020 2’583 1.38 1’493’174 56’826 3.7 1’717.15 2.07585 4’300.15
22 Jul 2020 2’583 1.38 1’495’757 54’243 3.5 1’720.12 2.07226 4’303.12
21 Jun 2020 2’583 1.38 1’498’340 51’660 3.3 1’723.09 2.06869 4’306.09
20 Maj 2020 2’583 1.38 1’500’923 49’077 3.2 1’726.06 2.06513 4’309.06
19 Apr 2020 2’583 1.38 1’503’506 46’494 3.0 1’729.03 2.06158 4’312.03
18 Mar 2020 2’583 1.38 1’506’089 43’911 2.8 1’732.00 2.05805 4’315.00
17 Feb 2020 2’583 1.38 1’508’672 41’328 2.7 1’734.97 2.05452 4’317.97
16 Jan 2020 2’583 1.38 1’511’255 38’745 2.5 1’737.94 2.05101 4’320.94
15 Dec 2019 2’583 1.38 1’513’838 36’162 2.3 1’740.91 2.04751 4’323.91
14 Nov 2019 2’583 1.38 1’516’421 33’579 2.2 1’743.88 2.04402 4’326.88
13 Okt 2019 2’583 1.38 1’519’004 30’996 2.0 1’746.85 2.04055 4’329.85
12 Sep 2019 2’583 1.38 1’521’587 28’413 1.8 1’749.83 2.03708 4’332.83
11 Aug 2019 2’583 1.38 1’524’170 25’830 1.7 1’752.80 2.03363 4’335.80
10 Jul 2019 2’583 1.38 1’526’753 23’247 1.5 1’755.77 2.03019 4’338.77
9 Jun 2019 2’583 1.38 1’529’336 20’664 1.3 1’758.74 2.02676 4’341.74
8 Maj 2019 2’583 1.38 1’531’919 18’081 1.2 1’761.71 2.02334 4’344.71
7 Apr 2019 2’583 1.38 1’534’502 15’498 1.0 1’764.68 2.01994 4’347.68
6 Mar 2019 2’583 1.38 1’537’085 12’915 0.8 1’767.65 2.01654 4’350.65
5 Feb 2019 2’583 1.38 1’539’668 10’332 0.7 1’770.62 2.01316 4’353.62
4 Jan 2019 2’583 1.38 1’542’251 7’749 0.5 1’773.59 2.00979 4’356.59
3 Dec 2018 2’583 1.38 1’544’834 5’166 0.3 1’776.56 2.00643 4’359.56
2 Nov 2018 2’583 1.38 1’547’417 2’583 0.2 1’779.53 2.00308 4’362.53
1 Okt 2018 2’583 1.38 1’550’000 0 0.0 1’782.50 1.99974 4’365.50

Column

Loan payed

Summary costs and possible gains (assuming 30% tax on the gain)

Month Percentile Estimated value Down payment Loan Loan left Loan paid Gain
39 Ref 2’000’000 450’000 1’550’000 1’451’846 98’154 548’154
39 10% 2’094’634 450’000 1’550’000 1’451’846 98’154 614’398
39 15% 2’134’994 450’000 1’550’000 1’451’846 98’154 642’650
39 20% 2’179’987 450’000 1’550’000 1’451’846 98’154 674’145
39 25% 2’199’984 450’000 1’550’000 1’451’846 98’154 688’143
39 30% 2’199’984 450’000 1’550’000 1’451’846 98’154 688’143
39 35% 2’204’275 450’000 1’550’000 1’451’846 98’154 691’147
39 40% 2’217’149 450’000 1’550’000 1’451’846 98’154 700’158
39 45% 2’229’662 450’000 1’550’000 1’451’846 98’154 708’918
39 50% 2’239’296 450’000 1’550’000 1’451’846 98’154 715’661
39 55% 2’248’930 450’000 1’550’000 1’451’846 98’154 722’405
39 60% 2’260’003 450’000 1’550’000 1’451’846 98’154 730’156
39 65% 2’271’257 450’000 1’550’000 1’451’846 98’154 738’034
39 70% 2’282’510 450’000 1’550’000 1’451’846 98’154 745’911
39 75% 2’293’764 450’000 1’550’000 1’451’846 98’154 753’789
39 80% 2’310’010 450’000 1’550’000 1’451’846 98’154 765’161
39 85% 2’332’495 450’000 1’550’000 1’451’846 98’154 780’901
39 90% 2’350’987 450’000 1’550’000 1’451’846 98’154 793’845

Structure of the amount per month paid